Marriott Rewards® Premier Business credit card
The Marriott Rewards Premier Business credit card offers a generous sign-up bonus and a good return on everyday spending. Additionally, it provides cardholders with complimentary Silver Elite status with Marriott and the ability to earn Gold status after spending $50,000 in a year — a benefit only available with the business version of the card.
After your first year as a card member, you’ll receive an annual free night at any Category 1-5 Marriott property. This certificate alone easily makes the card worth its $99 annual fee.
In addition to these benefits, the Marriott Premier Business card also offers good travel protections that include lost and delayed luggage insurance and trip delay, interruption and cancellation coverage. If you need to rent a car for business purposes, you’re also covered for accidents and theft without having to make a claim against your personal car insurance.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Marriott Rewards® Premier Business credit card offers and the value of the Chase Marriott Rewards® points you earn.
The Marriott Rewards Business card currently comes with a pretty sizable 80,000 -points sign-up bonus after spending $3,000 within the first three months of being a card member. Additionally, after having your card for a full year (and every year thereafter), you’ll receive a free night stay in a Category 1-5 hotel. Even better, you’ll have the chance to earn Marriott Rewards Gold Elite status if you make at least $50,000 in purchases on your card during each account year.
What You Get
- Earn 80,000 points after you spend $3,000 on purchases in the first 3 months
- A free night annually at a Category 1-5 hotel
- 15 Elite credits every year, guaranteeing Silver status with Marriott
- Gold status if you spend $50,000 during an account year
- 1 Elite credit toward status for every $3,000 spend
- 5 points per dollar spent with Marriott and Starwood hotels
- 2 points per dollar for airfare, car rentals, restaurants, internet, cable, phone service and at office supply stores
Marriott points expire after 24 months without qualifying activity. Luckily, the points earned from spending on your Marriott Business card count as qualifying activity, so spending a few dollars is an easy way to keep your points from expiring.
What is the value of the Marriott Rewards® Points?
The value of your Marriott points will vary depending on how you use them. As a general rule, hotel points are considerably less valuable than airline miles or transferrable points, so don’t expect to get two cents or more in value out of every redemption. Rather, a hotel point redemption that is a relatively high value will be around one cent per point. Looking for hotels that offer PointSavers rates or are expensive because of an event or the time of year will give you more bang for each Marriott point you redeem.
What is CPP and How is it Calculated?
Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.
How we calculate CPP:
The Best Ways to Redeem Sauthwest Points
There are many different ways to redeem Marriott Rewards points, though the best option is to use them for hotel stays. Marriott properties fall into nine different categories that range from 7,500 to 45,000 points per night at standard rates, or 6,000 to 40,000 points per night at PointSavers rates. They also offer Cash+Points redemptions, room upgrades, Hotel + Air packages and the ability to transfer points to the Starwood Preferred Guest program at a 3:1 ratio. The best redemptions generally involve PointSavers rates, Hotel + Air redemptions and transfers to SPG since that program generally has lower redemptions for free stays.
King Kamehameha'sKona Beach Hotel, Hi · Category 8Points price30,000pointsDollars price/Night$205
Fairfield Inn & SuitesDallas West/I-30, TX · Category 2Points price10,000pointsDollars price/Night$171
Fairfield Inn & SuitesAtlanta Alpharetta, GA · Category 3Points price15,000pointsDollars price/Night$259
AC HotelWroclaw, Poland · Category 3Points price15,000pointsDollars price/Night$110
Bonn Marriott World Conference HotelGermany · Category 6Points price30,000pointsDollars price/Night$531
CourtyardBremen, Germany · Category 1Points price7,500pointsDollars price/Night$154
Other ways you can redeem points
Hotel Stays4986 partners4986 part.
Since Marriott and SPG are merging, you can use your Marriott points directly at Marriott hotels or transfer your Marriott points at a 3:1 ratio to SPG and redeem for Starwood hotels.
Car Rental1 partners1 part.
You can use your Marriott points for rentals with multiple car rental companies, but keep in mind that the value for your points will be on the low side.
Gift Cards67 partners67 part.
You can redeem your Marriott points for a number of different gift cards. Be sure to consider the value you are getting for your points before you redeem!
The Marriott Rewards Business card offers decent return for everyday spending. You’ll earn five Marriott points per dollar spent at over 5,700 participating Marriott Rewards and SPG hotels worldwide; two points per dollar spent on airfare, dining out, car rentals, office supply store purchases, and for internet, cable and phone services; and one Marriott point per dollar spent on all other purchases.
- Car Rental
- Brand earn
- All Other Purchases
No Foreign Transaction Fee
Use your Marriott Business card abroad without paying any additoinal fees.
Visa concierge can help with event tickets, reservations, sending gifts and more.
Earn Elite Status Fast
With the Marriott Premier Business card, you’ll automatically earn Silver status as long as you are a cardholder. You also have the ability to earn Gold Elite status if you spend at least $50,000 on your credit card each account year. Additionally, for every $3,000 of spend on your card, you will earn one elite night credit towards elite status.
- Automatic Silver Elite status with Marriott just for being a cardholder
- Gold status after spending $50,000 in a year
- 1 Elite night credit toward status for every $3,000 spent
Fees: the cost of Having the Card
If you want to cover the annual fee for the Marriott Rewards business card based on spending alone, you’ll need to spend around $10,761, assuming an average value of 0.92 cents per point and that your earning only one point per dollar. The card has an annual fee of $99.
The sign-up bonus for this card is 80,000 points, which estimate to be worth around $736. That can cover the cost of the annual fee for many years.
- Annual Fee
- Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater
- Late Payment Fee
- $15 if the balance is less than $100; $29 if the balance is $100 or more, but less than $250; and $39 if the balance is $250 or more
- Foreign Transaction Fee
See What It Takes to Cover an Annual Fee:
We strongly recommend to spend not less than $3,587 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the Marriott Rewards Premier Business credit card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the Marriott Rewards Premier Business Credit Card
The Marriott Rewards Business card might not be the most glamorous card available, but it does offer some valuable benefits, like the ability to earn Marriott Gold Elite status and a good return for everyday spending. Here are the top five benefits:
- Great Earning Potential: Earn 5 Marriott points per dollar spent at Marriott and SPG, plus bonus points for dining, airfare and more!
- Free Night Every Year: Every year you renew your card, you’ll get a free night good for a Category 1-5 Marriott property.
- So Many Hotels: You can redeem your points for stays at over 5,700 Marriott and SPG hotels worldwide.
- More Redemption Options: In addition to redeeming your points for hotel stays, you can redeem for Hotel + Air packages, gift cards and car rentals. You can also transfer your points and take advantage of SPG’s large number of airline partners.
- Big Sign-Up Bonus: Earn 80,000 Marriott points when you sign up and complete the minimum spending requirements.
Should You Get the Marriott Rewards Premier Business Credit Card?
The Marriott Rewards business card is a good option for pretty much anyone. That’s because it offers a decent sign-up bonus of 80,000 points and an annual free night at any Category 1-5 Marriott property. Since the card’s annual fee is only $99, as long as you use the free night certificate each year, there’s a pretty good chance that you’ll be coming out ahead.
You’ll have lots of options for redeeming your points, too. Marriott and SPG have over 5,700 hotels worldwide with redemptions starting at just 6,000 Marriott points for a Category 1 PointSavers hotel.
In addition to these benefits, the Marriott Business card also comes with instant Silver Elite status and the ability for big spenders ($50,000+ per year) to earn Gold status from credit card spending alone.
If you don’t stay at hotels often (or ever) then the Marriott Rewards Premier business card might not be a good option for you. In this case, you should look at cards that offer more flexible points currencies and/or cash back.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
- Most applicants who report being approved for the Marriott Business card have a credit score that is 720 or higher. Of course, if your credit score is not a guarantee of approval. Chase will evaluate your full application before making a decision.
- No, the Marriott Category 1-5 certificate will only be given after your first year as a card member and then every year thereafter. Your first year, instead of getting the Category 1-5 certificate, you get the 80,000 points sign-up bonus, which is even better than a Category 1-5 certificate!
- No, when you apply for the Marriott business card, you’ll provide your Marriott number. When you are approved, you will automatically be upgraded to Marriott Silver status without having to do anything manually.
- There are no foreign transaction fees when you use your Marriott Premier Business card abroad, which makes it a great choice for international travelers!
- TNo, if you’re not yet a Marriott Rewards member when you apply, you will automatically be signed up for Marriott Rewards when you’re approved for the Marriot Rewards Premier Business card.
- Yes, Marriott and Ritz-Carlton hotels can both be booked with your Marriott points!
- Yes! This is one of the highest sign-up bonuses we have ever seen for this card. It can get you almost two nights at most Marriott properties around the world or as many as 13 nights at a Category 1 Marriott property at its PointSavers rate.
Compare Marriott Rewards Cards
Other Marriott Rewards cards
In addition to the business card, Marriott also offers a personal credit card. The personal version of the credit card also comes with a one night Category 1-5 certificate every year you renew your card and an 80,000 points sign-up bonus. It also offers most of the same rewards for everyday spending.
|Marriott Rewards® Premier Credit Card|
|Sign-up bonus||80,000 points||80,000 points|
|APR On Purchases||16.99% to 23.99% Variable±||16.99% to 23.99% Variable±|
|Second Year Value||$221||$221|
There really aren’t that many differences between the personal version and business version of the Marriott credit card. The main difference you will see is that the personal version has an annual fee that is slightly lower — it’s only $85 instead of $99.
The personal version of the card also has fewer bonus spending categories. The spending categories offered by the business card but not the personal card are office supply stores, cable, internet and phone services. You also do not have the ability to earn Gold status after spending $50,000 with the personal card.
Compare Marriott Rewards® Premier Business credit card to Other Cards
Before deciding to get the Marriott Rewards Business card, you should compare it to other cards like the Starwood Preferred Guest Business card, the Alaska Airlines Business card and the Ink Plus Business card. The SPG card also allows hotel bookings (even booking Marriott hotels!) and the Ink Plus has hotel transfer partners, including Hyatt and InterContinental Hotels. If booking flights is more your style, then the Alaska Airlines Business card could be a better choice.
All of these cards have valuable sign-up bonuses. The Ink Plus currently offers 60,000 Chase Ultimate Rewards points, the SPG Business card offers 25,000 SPG points (which can be transferred at a 1:3 ratio to Marriott, equating to 75,000 Marriott points), and the Alaska Airlines Visa Business card offers 25,000 Alaska Airlines miles.
If you are looking for the most flexibility, the Ink Plus definitely offers that. Chase Ultimate Rewards can be transferred to hotel partners and airline partners, and they can be redeemed directly through Chase for cash.
The Alaska Airlines card is perhaps the least flexible option, but Alaska Airlines miles can be incredibly valuable.
The Starwood card is almost the same as the Marriott card when it comes to redemptions, considering that the points can be transferred freely between the two programs. However, it does earn points a little differently. The SPG business card earns two points per dollar spent at SPG and Marriott hotels and one point per dollar spent on other purchases. As a general rule, the Marriott card is more rewarding for everyday spend than the SPG card.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the Marriott Rewards Premier Business credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa Signature Business card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 16.99% to 23.99% Variable±
- Minimum Grace Period:
- 20 days
- Extended Warranty Protection:
- This card offers: Extends the manufacturer’s warranty by one year on eligible warrenties of three years or less.
- Purchase Protection:
- This card offers: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim, up to $50,000 per account.
Cash Advance Features
- Ongoing APR:
- 25.99% Variable±
- Cash Advance Fee:
- Either $15 or 5% of the amount of each transaction, whichever is greater
Security and Protections
The Marriott Premier Business card has all the standard security features, including a mobile banking app, fraud alerts when unusual activity is detected and EMV Chip + Signature technology.
- Mobile Banking App:
- Track your account and spending with Chase’s mobile app
- EMV Chip + Signature Technology:
- Get global acceptance and enhanced security at merchants that use chip enabled terminals.
- Fraud Alerts:
- Chase will contact you when any unusual activity posts to your account.
Chase offers a mobile banking app so you can monitor your spending and account activity while you’re on the go. The Marriott Business card is also compatible with Apple Pay, Android Pay, and Samsung Pay.
Additional Cardholder Benefits
In addition to all of the great benefits already listed, the Marriott Rewards Premier Business card offers you even more, including a bunch of benefits that will help you have extra peace of mind while you’re traveling.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Coverage for theft and collision for most rentals in the U.S. and abroad. Coverage is primary when renting for business purposes.
- Baggage Delay Insurance:
- Reimbursement for essentials, such as toiletries and clothing, if bags are delayed over 6 hours. Get up to $100 a day for 5 days.
- Lost Luggage Reimbursement:
- Get up to $3,000 per passenger for damaged or lost bags. Coverage includes cardholder and immediate family members on the same travel itinerary.
- Trip Cancellation and Interruption Insurance:
- If your trip is cancelled or cut short due to sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per ticket for otherwise unreimbursed expenses.
- Trip Delay Reimbursement:
- If you are delayed more than 12 hours or your delay requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.